Modern Ponzi schemes often hide behind trusted communities, crypto hype, and promises of steady returns. Cheer-J-ane/ShutterstockAn average investor might hear the phrase “Ponzi scheme” and think of the late–2008 Bernie Madoff scandal: the Wall Street name, the Manhattan office, the air of old-money legitimacy....

Without a digital estate plan, your loved ones may struggle to access your accounts and devices. Panchenko Vladimir/ShutterstockYour phone holds your photos, your password manager holds your financial life, and your email holds the keys to almost everything else. If something happened to you...